Yea, the wires are insulated (they have been wrapped) but I was surprised to see anything when I opened my intake vent cover. I may have it rerun at some later point in the future.
Really, the reason this whole thing came up is because I want to instal a digital thermostat.
I had one in a house I just moved from and felt it gave a lot more ease and precision in heating and cooling my house, resulting in saved money for moi.
I got on ebay and bought a nice honeywell dig therm that retails for around $100 for $45.
Ill go ahead with the install and one of these days look underneath the house just to see what I am dealing with